Your Driving Profile

How do demographics and other factors impact car insurance rates?

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How does your driving profile impact car insurance rates?

Who you are as a driver has a major impact on what you pay for car insurance. Your age, your credit score, and your driving record (which all impact your insurance score), are all taken into consideration by insurance companies when they price quotes. Let’s review the core aspects of your driving profile and how they impact your car insurance.



Your age is one way your insurance company assesses your driving experience. Younger drivers, especially teenage drivers, are statistically more likely to take risks behind the wheel and cause an accident. On average, teen drivers pay 302% more for car insurance than do drivers in their 50s, with all other metrics constant.

If you’re interested in more information on car insurance and age, see our related content below:

Teen Drivers Young Adult DriversMature Drivers
Car Insurance for 16-year-oldsCar Insurance for 20-year-oldsCar Insurance for 30-year-olds
Car Insurance for 17-year-oldsCar Insurance for 21-year-oldsCar Insurance for 40-year-olds
Car Insurance for 18-year-oldsCar Insurance for 22-year-oldsCar Insurance for 50-year-olds
Car Insurance for 19-year-oldsCar Insurance for 23-year-oldsCar Insurance for 60-year-olds
 Car Insurance for 24-year-olds 
 Car Insurance for 25-year-olds 


Credit score

In nearly every US state, credit score is used as a major rating factor to determine your car insurance rates. According to the Federal Trade Commission, drivers with low credit file more expensive — and more frequent — claims. Thus, they’re more expensive and risky customers.

Our data, which can be explored in greater depth below, shows drivers with poor credit (350-500) pay almost $1,200 more per year for car insurance than do drivers with excellent credit. 


Driving record

Your driving history helps insurers understand the kind of driver you will be in the future. A history of claims, speeding tickets, or other citations will drastically raise your premium. On average, a driver who has been responsible for an at-fault crash pays $617 more per year than a driver without a collision on their record. For more information on your driving record impacts on your premium, see our related articles below.


Aside from age, credit score, and driving record, other demographic qualities impact car insurance rates. Below are articles that explore this.


EducationFinancial StatusMilitary
Car Insurance for StudentsCar Insurance for Low-Income FamiliesArmy Personnel
Car Insurance for GraduatesCar Insurance with Bad CreditNational Guard
Car Insurance with a GEDCar Insurance after Bankruptcy Marines
  Coast Guard
  Air Force


PersonalOccupationMartial or Familial Status
Car Insurance for Foreign DriversCar Insurance for TeachersCar Insurance for Married Couples
Car Insurance for Ex-PatsCar Insurance for NursesCar Insurance for Unmarried Couples
Car Insurance for WomenCar Insurance for Police Married vs. Single Car Insurance
Car Insurance for MenCar Insurance for FirefightersCar Insurance for Divorced Couples
Gender-Neutral Car InsuranceCar Insurance for EMTCar Insurance for Families
Car Insurance: Men vs WomenCar Insurance for First RespondersCar Insurance for Separated Couples
Car Insurance for RoommatesCar Insurance for DoctorsCar Insurance for Single Parents
Car Insurance for Drivers with DisabilitiesCar Insurance for Government Employees 
Car Insurance for VeteransCar Insurance for Rideshare Drivers 
Car Insurance with Medical ConditionsCar Insurance for Delivery Drivers 
 Car Insurance for Unemployed Drivers 
 Car Insurance for Self-Employed Drivers 


How to Save 

No matter your driving profile, the best way to find the cheapest car insurance company is to shop around. Use the Zebra's car insurance calculator to get personalized quotes in just a few minutes.

Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.